Buy Your First Home Sooner
We’ve got a range of solutions to help first home buyers get into a place of their own sooner.
Peace of mind
We’ve helped many Australians in to their first home. Our team of Mortgage Specialists can help guide you through the process.
Low deposit
There’s a number of initiatives on offer to help you buy your first home sooner, and the good news is that you don’t need a 20% deposit.
Value
We offer competitive rates and flexible solutions for first home buyers, even if you only have a small deposit.
Support for buying a home
The Australian Government’s 5% Deposit Scheme (formerly the Home Guarantee Scheme) makes buying your first home more achievable than ever. From 1 October 2025, eligible first home buyers can purchase a home with just 5% deposit, without paying Lenders Mortgage Insurance (LMI).
There’s also the Family Home Guarantee, which provides eligible single parents with dependents the opportunity to build a new home or purchase an existing home with a deposit of 2%, subject to the individual’s ability to service a home loan.
Key benefits:
- Low deposit options
- No income caps
- No LMI – save on upfront fees
- Wide choice of home types
- Government backing
- Unlimited spots and no waiting list
Our Home Loans
Our award-winning home loans have helped thousands of Australians into their first home, let us help you too.
Boost Package Fixed Home Loan
Go Basic Variable Home Loan
Home Loan Key Facts Sheet
Please take a moment to review the Home Loan Key Facts Sheet before you begin. Different interest rates apply based on loan purpose and repayment types.
Fees and charges
Refer to our fees and charges schedule for more information about fees and charges that may apply in relation to your loan.
We're here for you .
Our opening hours
Our contact centre is open Monday-Friday 8am-8pm (AEDT) and Saturday 8am-3pm (AEDT)
Check out our range of Home Loans
We make it easy when you're buying your first home, securing an investment property or refinancing your existing loan. We'll find the one that suits you.
Find out moreImportant notes
1 Rate is current as at 27/01/26, is for new money and switches and subject to change without notice. Application and legal fee waiver applies to applications with one security property, additional securities will be charged at cost and could incur additional legal fees. Valuation fees may apply. Additional upfront fees apply for construction loans. Your interest rate and repayments may increase at the end of the fixed term as a lower discount applies for the remaining term. Break costs apply to fixed rate loans. You should refer to your terms and conditions for more information.
2 Rates are for owner occupied loans and are current as at 12/09/25 and subject to change without notice
*Comparison rates are calculated on a loan amount of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Eligibility criteria, terms & conditions, fees & charges apply. Please refer to the Fees and Charges
**A regional area is defined as Statistical Area Level 4 (ASGS SA4 2016) areas in a State or the Northern Territory that are not a capital city of that State or Territory; and Norfolk Island; or the Territories of Jervis Bay, Christmas Island or Cocos (Keeling) Islands; as defined in the version published by The Australian Bureau of Statistics (ABS) in July 2016. The ACT and greater capital city areas of each State and the Northern Territory are excluded from the RFHBG. SA4s are based on population density and labour markets; they vary in size reflecting these criteria.
get in touch
Not sure what's the best fit for your needs? No worries. Get in touch with one of our banking specialists today.
